Hamilton County property record for 2540 River Rd, Cincinnati, OH 45204
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,270 sqft · built 1914 |
| Lot Size | 0.148 acres (6,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $192,000 (Jul 2018) |
| Tax Bill | $5,086 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-0003-0047-00 |
| Primary APN | 151-0003-0047-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,270 sqft Living Area |
| 1st Floor Area | 951 sqft |
| 2nd Floor Area | 891 sqft |
| Attic | Attic |
| Attic Area | 428 sqft |
| Basement Area | 891 sqft |
| Year Built | Built 1914 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 6,490 sqft (0.148 acres) |
| Lot Width | 60 ft Width |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2540 RIVER RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45204-1325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER RD0.149 AC R1 T4 S29 HOMESTEAD SUB |
| Legal Subdivision | HOMESTEAD SUB |
| Legal Lot Number | 14 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10300 |
Source: Hamilton County records · APN 151-0003-0047-00
Assessment roll updated March 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2540 RIVER RD, CINCINNATI, OH 45204-1325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2018 | Deed of Trust, Mortgage · Line of Credit EAGLE SAVINGS BANK |
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Dec 16, 2020 | Grant Deed, Transfer JP MORGAN CHASE BK |
| Jul 26, 2018 | Warranty Deed, Transfer · Conventional with PMI FIRSTBANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on Record |
| Deed Sale | Jul 26, 2018 · Amount on Record |
| Prior Sale | Jul 26, 2018 · Amount on Record |
| Deed Document Number | 0000064581 |
| Deed Book / Page | 013718 / 000991 |
| Last Transfer Date | Dec 16, 2020 |
| Transfer Doc | 0000132578 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2540 RIVER RD, CINCINNATI, OH 45204-1325 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002248 |
|---|---|
| Date | May 17, 2018 |
| Instrument | 18-0042248 |
| Name | EAGLE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 01, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2540 RIVER RD, CINCINNATI, OH 45204-1325 |
| Document Number | 0000132577 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2540 RIVER RD CINCINNATI OH 452041325, CINCINNATI, OH 45204-1325 |
| Document Number | 0000132577 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 014316/002129 |
| Instrument | 132577 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Dec 16, 2020 |
| Property Address | 2540 RIVER RD, CINCINNATI, OH 45204-1325 |
| Document Number | 0000132578 |
| Book / Page | 014316 / 002126 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 132578 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2540 RIVER RD CINCINNATI OH 452041325, CINCINNATI, OH 45204-1325 |
| Document Number | 132577 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 014316/002129 |
| Instrument | 132577 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 26, 2018 |
| Property Address | 2540 RIVER RD, CINCINNATI, OH 45204-1325 |
| Document Number | 0000064581 |
| Book / Page | 013718 / 000991 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 64581 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $576.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2540 RIVER RD CINCINNATI OH 452041325, CINCINNATI, OH 45204-1325 |
| Document Number | 64582 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 013718/000993 |
| Instrument | 64582 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2048 |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,086.00 (+2.81%) | $82,215 (-) Land $10,325 Building $71,890 | |
| 2024 | $4,947.00 (-2%) | $82,215 (-) Land $10,325 Building $71,890 | |
| 2023 | $5,048.00 (+9.69%) | $82,215 (+22.34%) Land $10,325 Building $71,890 | $234,900 (+22.34%) Land $29,500 Building $205,400 |
| 2022 | $4,602.00 Homeowner's exemption | $67,200 Land $10,325 Building $56,875 | |
| 2020 | $192,000 Land $29,500 Building $162,500 |
Source: FEMA National Flood Hazard Layer as of December 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Sedamsville River Road Historic District listed 2008 · 49 contributing resources · NRIS 08000975 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 114 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures